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Insurance · head to head

Hippo vs Metromile

Hippo logo

Hippo

Insurance

Homeowners insurance reimagined

From
On request
Rated
-
Full reviewWebsite
Metromile logo

Metromile

Insurance

Pay-per-mile car insurance

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Hippo no published insurance rates or premium quotes on website; uses dynamic quote model based on individual circumstances; Metromile the Internet Archive's capture of Metromile's homepage on 2 January 2021 stated rates start at $29/month plus a few cents per mile driven, with all miles over 250 per day (150 in New Jersey) free of charge; example given was $29 base plus 450 miles at 6 cents equaling $56.
  • They diverge on capability: Hippo covers Personalized quotes, Metromile covers Usage-based pricing.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Hippo and Metromile actually diverge.

Attributes where Hippo and Metromile differ
AttributeHippoMetromile
Pricing modelquoteusage-based
Founded20152011

Identical on both: starting price (On request), free tier (No), platforms (Web, Ios, Android), user rating (Not yet rated), category (Insurance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Hippo

  • Personalized quotes
  • 24/7 customer support
  • Smart home integrations
  • Claims support
  • Customizable coverage
  • Instant policy changes
  • Smart home devices

Only in Metromile

  • Usage-based pricing
  • Per-mile tracking
  • Safe driving rewards
  • Quick claims
  • Online support
  • Policy customization
  • Dashboard device

Both cover

  • Digital policy management
  • Mobile app
  • Mobile app
  • Data encryption
  • Cloud deployment
  • Web support
  • Ios support
  • Android support
  • English language support

What people use each for

The jobs each tool is most often brought in to do.

Hippo

  • Comparing home insurance quotes across multiple carrier partnersnot Metromile
  • Bundling home coverage with auto, flood, pet or landlord add on policiesnot Metromile

Metromile

  • Low-mileage drivingnot Hippo

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Hippo

  • No published insurance rates or premium quotes on website; uses dynamic quote model based on individual circumstances

Metromile

  • The Internet Archive's capture of Metromile's homepage on 2 January 2021 stated rates start at $29/month plus a few cents per mile driven, with all miles over 250 per day (150 in New Jersey) free of charge; example given was $29 base plus 450 miles at 6 cents equaling $56.

Pricing, plan by plan

Hippo

On request
  • Essential$undefined/month
    • Dwelling coverage
    • Personal property
    • Liability protection

Metromile

On request
  • Standard Coverage$undefined/month
    • Per-mile pricing
    • Base monthly fee
    • Liability coverage

Which should you pick?

Choose Hippo if

  • You need personalized quotes.
  • You work on Web, Ios, Android.
  • You also want 24/7 customer support.
Hippo review

Choose Metromile if

  • You need usage-based pricing.
  • You work on Web, Ios, Android.
  • You also want per-mile tracking.
Metromile review

Questions people ask

Is Hippo or Metromile better?
Neither clearly leads. Hippo starts at On request and Metromile at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Hippo or Metromile?
Hippo starts at On request and Metromile at On request.
Does Hippo or Metromile run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
What is Hippo best used for?
Hippo is most often used for comparing home insurance quotes across multiple carrier partners, bundling home coverage with auto, flood, pet or landlord add on policies. Of those, comparing home insurance quotes across multiple carrier partners and bundling home coverage with auto, flood, pet or landlord add on policies are not what Metromile is typically brought in for.
What can Hippo do that Metromile cannot?
Hippo covers Personalized quotes, 24/7 customer support, Smart home integrations, Claims support. Metromile covers Usage-based pricing, Per-mile tracking, Safe driving rewards, Quick claims. Both handle Digital policy management, Mobile app, Mobile app, Data encryption.

Answered from the vendors’ own pages

Hippo: What are Hippo's insurance rates?

Hippo does not publish specific premium rates on its website. The company offers personalized quotes from over 70 carrier partners and claims to provide affordable quotes in under 60 seconds. Actual pricing requires submitting your home information.

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